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National City Bank, Performance and Condition Ratios
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5682% | 4,047 |
| Cost of funding earning assets | 1.3381% | 6,441 |
| Net interest margin | 4.2301% | 1,943 |
| Noninterest income to average assets | 2.2209% | 316 |
| Noninterest expense to average assets | 3.2102% | 3,267 |
| Loan and lease loss provision to assets | 1.6623% | 1,127 |
| Net operating income to assets | 0.6612% | 3,347 |
| Return on assets (ROA) | 0.7656% | 3,023 |
| Pretax return on assets | 1.0953% | 2,592 |
| Return on Equity (ROE) | 7.0627% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.0627% | 1,480 |
| Net charge-offs to loans | 1.5091% | 1,356 |
| Credit loss provision to net charge-offs | 161.6933% | 2,922 |
| Earnings coverage of net charge-offs (x) | 2.5320% | 3,957 |
| Efficiency ratio | 53.3332% | 7,305 |
| Assets per employee ($millions) | 4.8571% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4656% | 433 |
| Loan loss allowance to noncurrent loans | 39.8509% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 6.2726% | 832 |
| Noncurrent loans to loans | 8.6964% | 525 |
| Net loans and leases to total assets | 65.9232% | 4,450 |
| Net loans and leases to deposits | 92.4282% | 2,165 |
| Net loans and leases to core deposits | 107.7757% | 3,497 |
| Total domestic deposits to total assets | 69.9219% | 7,419 |
| Equity capital to assets | 11.6758% | 2,451 |
| Core capital (leverage) ratio | 9.7517% | 3,569 |
| Tier 1 risk-based capital ratio | 11.5126% | 5,413 |
| Total risk-based capital ratio | 15.4085% | 3,410 |
| Memoranda: | ||
| Average total assets | $141,344,791,250 | 13 |
| Average earning assets | $120,034,556,500 | 12 |
| Average equity | $15,320,879,500 | 14 |
| Average total loans | $96,293,045,250 | 11 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7393% | 3,348 |
| Cost of funding earning assets | 1.4283% | 6,384 |
| Net interest margin | 4.3110% | 1,626 |
| Noninterest income to average assets | 2.2739% | 306 |
| Noninterest expense to average assets | 3.2073% | 3,318 |
| Loan and lease loss provision to assets | 1.5747% | 1,079 |
| Net operating income to assets | 0.7831% | 2,920 |
| Return on assets (ROA) | 0.8376% | 2,805 |
| Pretax return on assets | 1.2063% | 2,287 |
| Return on Equity (ROE) | 7.9125% | 2,813 |
| Retained earnings to average equity (ytd only) | 7.9125% | 1,241 |
| Net charge-offs to loans | 1.3062% | 1,412 |
| Credit loss provision to net charge-offs | 177.0917% | 2,588 |
| Earnings coverage of net charge-offs (x) | 3.0392% | 3,597 |
| Efficiency ratio | 52.4543% | 7,478 |
| Assets per employee ($millions) | 5.0049% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1112% | 516 |
| Loan loss allowance to noncurrent loans | 45.9281% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 4.8028% | 1,139 |
| Noncurrent loans to loans | 6.7741% | 748 |
| Net loans and leases to total assets | 64.9196% | 4,778 |
| Net loans and leases to deposits | 89.3606% | 2,928 |
| Net loans and leases to core deposits | 103.9830% | 4,063 |
| Total domestic deposits to total assets | 71.3701% | 7,320 |
| Equity capital to assets | 10.5960% | 3,301 |
| Core capital (leverage) ratio | 8.9640% | 4,693 |
| Tier 1 risk-based capital ratio | 10.7967% | 6,086 |
| Total risk-based capital ratio | 14.5659% | 3,854 |
| Memoranda: | ||
| Average total assets | $144,595,004,330 | 13 |
| Average earning assets | $121,950,449,000 | 12 |
| Average equity | $15,306,283,000 | 14 |
| Average total loans | $98,435,595,670 | 9 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1964% | 1,614 |
| Cost of funding earning assets | 1.5268% | 6,320 |
| Net interest margin | 4.6695% | 822 |
| Noninterest income to average assets | 2.2722% | 290 |
| Noninterest expense to average assets | 2.9737% | 3,882 |
| Loan and lease loss provision to assets | 1.2967% | 992 |
| Net operating income to assets | 1.2840% | 1,421 |
| Return on assets (ROA) | 1.2893% | 1,502 |
| Pretax return on assets | 1.8740% | 850 |
| Return on Equity (ROE) | 12.1852% | 1,606 |
| Retained earnings to average equity (ytd only) | 12.1852% | 759 |
| Net charge-offs to loans | 0.7169% | 1,753 |
| Credit loss provision to net charge-offs | 263.6594% | 1,791 |
| Earnings coverage of net charge-offs (x) | 6.4311% | 2,500 |
| Efficiency ratio | 46.7273% | 7,809 |
| Assets per employee ($millions) | 5.1046% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8264% | 567 |
| Loan loss allowance to noncurrent loans | 57.6689% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 3.6354% | 1,461 |
| Noncurrent loans to loans | 4.9010% | 1,114 |
| Net loans and leases to total assets | 65.5697% | 4,681 |
| Net loans and leases to deposits | 90.8697% | 2,800 |
| Net loans and leases to core deposits | 105.8388% | 3,939 |
| Total domestic deposits to total assets | 70.7623% | 7,352 |
| Equity capital to assets | 11.0199% | 2,946 |
| Core capital (leverage) ratio | 9.9544% | 3,450 |
| Tier 1 risk-based capital ratio | 11.6209% | 5,280 |
| Total risk-based capital ratio | 15.3475% | 3,459 |
| Memoranda: | ||
| Average total assets | $146,035,493,500 | 13 |
| Average earning assets | $120,854,555,000 | 12 |
| Average equity | $15,451,437,000 | 14 |
| Average total loans | $100,176,220,000 | 9 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 8,298 |
| Cost of funding earning assets | 0.0000% | 8,290 |
| Net interest margin | 0.0000% | 8,294 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.1019% | 8,292 |
| Loan and lease loss provision to assets | 0.2384% | 4,522 |
| Net operating income to assets | -0.2151% | 6,637 |
| Return on assets (ROA) | -0.2151% | 6,481 |
| Pretax return on assets | -0.3403% | 6,493 |
| Return on Equity (ROE) | -2.0030% | 6,500 |
| Retained earnings to average equity (ytd only) | -2.0030% | 5,868 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 5.0656% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5269% | 660 |
| Loan loss allowance to noncurrent loans | 75.6460% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.6530% | 1,801 |
| Noncurrent loans to loans | 3.3405% | 1,548 |
| Net loans and leases to total assets | 67.9555% | 4,473 |
| Net loans and leases to deposits | 95.2560% | 2,569 |
| Net loans and leases to core deposits | 111.7611% | 3,591 |
| Total domestic deposits to total assets | 69.5750% | 7,327 |
| Equity capital to assets | 10.1414% | 3,872 |
| Core capital (leverage) ratio | 8.8665% | 4,944 |
| Tier 1 risk-based capital ratio | 10.2279% | 6,491 |
| Total risk-based capital ratio | 13.9466% | 4,211 |
| Memoranda: | ||
| Average total assets | $148,271,180,000 | 13 |
| Average earning assets | $127,476,699,750 | 10 |
| Average equity | $15,921,623,000 | 14 |
| Average total loans | $114,866,322,400 | 9 |